Summary of ٢٥ تريليون دولار في خطر.. كيف تستعد أبل والشركات الناشئة لإزاحة فيزا وماستركارد؟
Main Financial Strategies and Trends:
- Increased Fees Post-Brexit: The exit of Britain from the EU led to Amazon.com/s?k=Visa&tag=dtdgstoreid-20">Visa raising transaction fees significantly, prompting companies like Amazon to reconsider their partnerships.
- Emergence of Local Payment Networks: Countries like India, Russia, and Brazil have successfully launched their own payment networks (e.g., Amazon.com/s?k=RuPay&tag=dtdgstoreid-20">RuPay, Amazon.com/s?k=Mir&tag=dtdgstoreid-20">Mir, BEX) that offer lower fees and are gaining market share against Amazon.com/s?k=Visa&tag=dtdgstoreid-20">Visa and MasterCard.
- Legislative Actions in the U.S.: New laws aim to reduce card fees and allow more competition in the payment processing space, which could disrupt the duopoly of Amazon.com/s?k=Visa&tag=dtdgstoreid-20">Visa and MasterCard.
- Technological Innovations: The introduction of the FedNow system allows for direct bank-to-bank payments, reducing reliance on traditional card networks.
- Rise of Fintech Companies: Digital wallets and payment solutions like Apple Pay, PayPal, and others are changing consumer payment behaviors, posing a threat to credit card usage.
- Apple's Strategic Moves: Apple is developing its own payment infrastructure to reduce dependency on Amazon.com/s?k=Visa&tag=dtdgstoreid-20">Visa and MasterCard, potentially capturing a significant share of the financial services market.
Methodology/Step-by-Step Guide:
- Understanding the Payment Network: Recognize that Amazon.com/s?k=Visa&tag=dtdgstoreid-20">Visa and MasterCard are primarily networks connecting banks rather than direct providers of credit.
- Monitoring Market Changes: Keep an eye on emerging payment networks and legislative changes that could impact traditional payment processors.
- Investing in Fintech: Consider platforms like Capex for early investment opportunities in fast-growing companies within the fintech space.
- Leveraging New Technologies: Explore the adoption of digital wallets and alternative payment methods that are gaining traction.
Presenters/Sources:
The video does not explicitly name presenters but references various financial trends and companies, including Amazon, Amazon.com/s?k=Visa&tag=dtdgstoreid-20">Visa, MasterCard, and fintech innovations.
Notable Quotes
— 13:32 — « Think about this sentence with yourself, the second largest cost after wages. »
— 22:06 — « Payments are the financial battlefield for the next decade. »
Category
Business and Finance